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Auto Insurance in Illinois

Illinois auto insurance has pretty high minimum requirements when compared to most states. Not only are Illinois drivers required to purchase liability coverage, but they must also have uninsured motorist coverage, as well. The amounts required are as follows:

  •     $20,000 per person for injury coverage
  •     $40,000 per accident for injury coverage
  •     $15,000 per accident for property damage coverage
  •     $20,000 bodily injury per person for uninsured motorist coverage
  •     $40,000 bodily injury per accident for uninsured motorist coverage


Auto insurance in Illinois is easy to find and can be inexpensive. Your rates are calculated based on factors such as: your driving record, the car being insured, the amount of coverage desired, and your age, gender, and credit rating. Additionally, there are discounts available to drivers based on certain circumstances and events, including the following:

  •     good driver
  •     good student
  •     low use
  •     multiple car


By shopping around and comparing rates, you can save money and often find better deals on your auto insurance in Illinois. You should also consider purchasing more coverage than what is required if you can't afford to pay thousands of dollars in expenses out of pocket. In the event that an accident exceeds your insurance limits, the money comes out of your pocket, so this is important to keep in mind. The extra $20 or $50 each month might be worth it after all.